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Citi
| Term | Value | Source |
|---|---|---|
| APR for purchasesintroductory rate first | ||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Great credit | median 17.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Good credit | median 27.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| APR for balance transfersintroductory rate first | 0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | 0 days from the close of each billing cycleCitibank, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 5 |
| Annual fee | — | |
| Transaction fees | ||
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | 3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Penalty fees | ||
| Repeat late fee within six billing cycles | $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Returned payment | — | |
| Other fees | ||
| Returned Payment Fee | $41, Up to $41 for each returned paymentConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | Website |